SpecificationPlugin.php

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<?php
namespace Magento\Paypal\Model\Method\Checks;

use Magento\Payment\Model\MethodInterface;
use Magento\Payment\Model\Checks\SpecificationInterface;
use Magento\Paypal\Model\Config;
use Magento\Paypal\Model\Billing\AgreementFactory;
use Magento\Quote\Model\Quote;

class SpecificationPlugin
{
    private $agreementFactory;

    public function __construct(AgreementFactory $agreementFactory)
    {
        $this->agreementFactory = $agreementFactory;
    }

    public function afterIsApplicable(
        SpecificationInterface $specification,
        $result,
        MethodInterface $paymentMethod,
        Quote $quote
    ) {
        if (!$result) {
            return false;
        }

        if ($paymentMethod->getCode() == Config::METHOD_BILLING_AGREEMENT) {
            if ($quote->getCustomerId()) {
                $availableBA = $this->agreementFactory->create()->getAvailableCustomerBillingAgreements(
                    $quote->getCustomerId()
                );

                return count($availableBA) > 0;
            }

            return false;
        }

        return true;
    }
}